# Paymento

> The First Non-Custodial Crypto Payment Gateway

Paymento enables merchants to accept cryptocurrency payments directly to their wallets through a non-custodial, multi-chain payment gateway without intermediaries.

Paymento provides non-custodial crypto payment infrastructure enabling businesses to accept various cryptocurrencies directly into their own wallets. The platform supports multiple blockchains including UTXO-based networks like Bitcoin and account-based models like Ethereum, allowing merchants to receive payments without third-party custody. Paymento integrates with DeFi lending protocols to offer Buy Now Pay Later functionality while maintaining self-custody security.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2024-01-01
- Profile: https://thegrid.id/profiles/paymento

## Products

- [Paymento Payment Gateway](https://thegrid.id/profiles/paymento): A non-custodial merchant payment gateway enabling direct wallet-to-wallet cryptocurrency transactions across multiple blockchains. The system facilitates payment processing through API integration and e-commerce plugins while maintaining merchant control over private keys and funds. Supports various crypto assets through unified interface. (Merchant Payment Gateway, Live, Main Product)
- [Payment Links](https://thegrid.id/profiles/paymento): Payment Links is a payment request generation system enabling cryptocurrency acceptance without website infrastructure. Users generate shareable URLs and QR codes for various assets with configurable amounts and descriptions. Features webhook integration for payment event automation. (Payment Links & Request Tools, Live)
- [Crypto BNPL](https://thegrid.id/profiles/paymento): Crypto BNPL is a Buy Now Pay Later implementation integrating DeFi lending protocols including Aave and Compound. Enables customers to use cryptocurrency as collateral for immediate payment while retaining asset ownership through smart contract escrow. Merchants receive full payment while customers access installment terms. (Merchant Payment Gateway, In Development)

## Assets

- [PMO (PMO)](https://thegrid.id/profiles/paymento): PMO is the utility token of Paymento, a non-custodial crypto payment gateway. It is used for transaction fee discounts and staking to earn a share of platform revenue. Paymento allows merchants to accept over 100 cryptocurrencies directly to their own wallets without requiring custody or KYC, and PMO holders receive reduced processing fees. (Utility)

## Links

- [Main](https://paymento.io)
- [Media Kit/branding](https://paymento.io/paymento-media-kit)
- [Whitepaper](https://docs.paymento.io/overview/whitepaper)
- [Documentation](https://docs.paymento.io)
- [Terms of Service](https://paymento.io/term-of-service)
- [Privacy policy](https://paymento.io/privacy-policy)
- [Blog](https://paymento.io/blog)
- [Twitter / X](https://x.com/paymento_io)
- [Telegram](https://t.me/paymento)
- [LinkedIn](https://linkedin.com/company/paymento)
- [GitHub](https://github.com/paymento)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP